I believe that most of the popular beliefs surrounding the "afterlife" are nothing more than a manifestation of man's inability to face up to the reality and inevitability of death.
It will happen, people. For some sooner, for some later but happen it will and I believe it will be nothing like religion would have us believe.
For starters, "I" ceases to be with the loss of consciousness. Therefore "I" cannot face any judgement or experience anything. There can be no bodily sensations of pain or pleasure when the body itself is reduced to an inert pile of decomposing cells. Sorry Christians, no floating around on clouds twanging harps, better still, no stoking furnaces down below either and, for you Muslims, no virgins (overrated anyway).
If, as I believe, "life" is a non-physical energy or force there is a possibility that, on liberation from the body, it returns to its source, something like a droplet of water falling back into the sea from which it originated. "Therefore, while nothing, I am part of everything...."
Meantime, make sure to enjoy the present - it is really all the time we have.